Financial Institutions Inc operates as a financial holding company, engages in the provision of a wide range of consumer and commercial banking services to individuals, municipalities, and businesses in Western and Central New York. It operates through one segment: The Banking segment which includes all of the company's retail and commercial banking operations.
1931
598
LTM Revenue $226M
Last FY EBITDA n/a
$784M
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Financial Institutions has a last 12-month revenue (LTM) of $226M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Financial Institutions achieved revenue of $115M and an EBITDA of n/a.
Financial Institutions expects next 12-month revenue of XXX   and NTM EBITDA of XXX
See Financial Institutions valuation multiples based on analyst estimatesLTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
---|---|---|---|---|---|---|
Revenue | $226M | XXX | $115M | XXX | XXX | XXX |
Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
Gross Margin | n/a | XXX | n/a | XXX | XXX | XXX |
EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
EBIT | $87.2M | XXX | n/a | XXX | XXX | XXX |
EBIT Margin | 39% | XXX | n/a | XXX | XXX | XXX |
Net Profit | $34.4M | XXX | -$41.6M | XXX | XXX | XXX |
Net Margin | 15% | XXX | -36% | XXX | XXX | XXX |
Net Debt | XXX | XXX | $137M | XXX | XXX | XXX |
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As of August 15, 2025, Financial Institutions's stock price is $26.
Financial Institutions has current market cap of $519M, and EV of $784M.
See Financial Institutions trading valuation dataEV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
---|---|---|---|---|---|---|
$784M | $519M | XXX | XXX | XXX | XXX | $3.48 |
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Start Free TrialAs of August 15, 2025, Financial Institutions has market cap of $519M and EV of $784M.
Financial Institutions's trades at 6.8x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Financial Institutions's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Financial Institutions has a P/E ratio of 15.1x.
See valuation multiples for Financial Institutions and 15K+ public compsLTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
---|---|---|---|---|---|---|
Market cap (current) | $519M | XXX | $519M | XXX | XXX | XXX |
EV (current) | $784M | XXX | $784M | XXX | XXX | XXX |
EV/Revenue | 3.5x | XXX | 6.8x | XXX | XXX | XXX |
EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
EV/EBIT | 9.0x | XXX | n/a | XXX | XXX | XXX |
EV/Gross Profit | n/a | XXX | n/a | XXX | XXX | XXX |
P/E | 15.1x | XXX | -12.5x | XXX | XXX | XXX |
EV/FCF | n/a | XXX | 10.9x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialFinancial Institutions's last 12 month revenue growth is 10%
Financial Institutions's revenue per employee in the last FY averaged $0.2M, while opex per employee averaged n/a for the same period.
Financial Institutions's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Financial Institutions's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Financial Institutions and other 15K+ public compsLTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
---|---|---|---|---|---|---|
Revenue Growth | 10% | XXX | 49% | XXX | XXX | XXX |
EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
Revenue per Employee | XXX | XXX | $0.2M | XXX | XXX | XXX |
Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
S&M Expenses to Revenue | XXX | XXX | 1% | XXX | XXX | XXX |
G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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EV/Revenue | EV/EBITDA | |||||
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2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
Invest Bank | XXX | XXX | XXX | XXX | XXX | XXX |
National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
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Financial Institutions acquired XXX companies to date.
Last acquisition by Financial Institutions was XXXXXXXX, XXXXX XXXXX XXXXXX . Financial Institutions acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiplesAcquired Company | EV | EV/Revenue | EV/EBITDA |
---|---|---|---|
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
XXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialWhen was Financial Institutions founded? | Financial Institutions was founded in 1931. |
Where is Financial Institutions headquartered? | Financial Institutions is headquartered in United States of America. |
How many employees does Financial Institutions have? | As of today, Financial Institutions has 598 employees. |
Who is the CEO of Financial Institutions? | Financial Institutions's CEO is Mr. Martin K. Birmingham. |
Is Financial Institutions publicy listed? | Yes, Financial Institutions is a public company listed on NAS. |
What is the stock symbol of Financial Institutions? | Financial Institutions trades under FISI ticker. |
When did Financial Institutions go public? | Financial Institutions went public in 1999. |
Who are competitors of Financial Institutions? | Similar companies to Financial Institutions include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, Invest Bank. |
What is the current market cap of Financial Institutions? | Financial Institutions's current market cap is $519M |
What is the current revenue of Financial Institutions? | Financial Institutions's last 12 months revenue is $226M. |
What is the current revenue growth of Financial Institutions? | Financial Institutions revenue growth (NTM/LTM) is 10%. |
What is the current EV/Revenue multiple of Financial Institutions? | Current revenue multiple of Financial Institutions is 3.5x. |
Is Financial Institutions profitable? | Yes, Financial Institutions is EBITDA-positive (as of the last 12 months). |
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